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Seacoast Banking of Florida (SBCF) investor relations material
Seacoast Banking of Florida Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $36.5 million ($0.42 per diluted share), up 19% year-over-year, including $10.8 million in merger-related charges; adjusted net income rose 48% to $45.2 million ($0.52 per share).
Achieved strong organic growth with 8% annualized loan growth and 7% annualized deposit growth in Q3 2025.
Completed Heartland Bancshares acquisition in July and Villages Bancorporation acquisition in October, adding significant assets, branches, and market share.
Record performance in wealth management, treasury management, SBA, interchange, and insurance agency income, with wealth management AUM up 24% year-over-year.
Asset quality remains robust, with declining non-performing loans and lower net charge-offs than prior guidance.
Financial highlights
Net interest income was $133.5 million, up 5% sequentially and 25% year-over-year; net interest margin (FTE) was 3.57%.
Adjusted net income (excluding merger-related charges) rose 48% year-over-year to $45.2 million, or $0.52 per share.
Tangible book value per share increased 9% year-over-year to $17.61.
Noninterest income (excluding securities activity) was $24.7 million, up 5% year-over-year; wealth management income grew 9% from the prior quarter.
Adjusted efficiency ratio improved to 53.8% from 55.4% in the prior quarter.
Outlook and guidance
Both Heartland and Villages acquisitions expected to be accretive to earnings in 2026, with tangible book value dilution earned back in two to three years.
Expect core net interest margin to reach approximately 3.45% by year-end, inclusive of acquisitions.
Anticipate continued high single-digit organic loan growth and low to mid-single-digit organic deposit growth in the coming quarters.
Noninterest income projected at $22–$24 million for the fourth quarter.
Integration of Villages Bancorporation expected to complete in Q3 2026, with majority of cost savings realized in the second half of 2026.
Villages acquisition: how will low LDR drive growth?
NIM ex-accretion: what drives future expansion?
Noninterest income: plans for wealth & treasury growth?
Atlanta talent acquisition strategy?
Villages 2 build-out timeline and scale?
How are tight credit spreads impacting loan pricing?
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Next Seacoast Banking of Florida earnings date
Q4 202530 Jan, 2026
Next Seacoast Banking of Florida earnings date
Q4 202530 Jan, 2026
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Frequently asked questions
Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. It offers traditional banking services focusing on commercial and retail banking, wealth management, and treasury management solutions; deposit accounts, such as checking, money market, interest-bearing negotiable order of withdrawal, savings, and certificates of deposit accounts; lending products comprising residential mortgage, commercial real estate construction, commercial business, and consumer loans; treasury management services; online banking services; automated voice response telephone system; debit cards and credit cards; remote deposit capture service; and retirement planning advisory.
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